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All credit unions have the potential to be disruptive, but not the ones that are so busy, obedient or big that they avoid debate. Conflict is a necessary tool in innovation, says risk-navigating entrepreneur and professional blinder-remover Margaret Heffernan.

She sheds light on how organizations such as credit unions can identify their greatest risks and overcome them to produce transformative change. It’s the credit unions who take the time to understand what’s going on outside the walls, work hard to make people feel unafraid and that respect each of their employees who bring about the most change in the industry.